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Planning and booking your vacation or honeymoon is exciting and we never what to bring up a “what if” situation but My Vacation Lady wants to make sure all of our clients are protected against unavoidable illness or circumstances.
We have had an occasion to use travel insurance personally when Mr. My Vacation Lady got sick during a cruise but we have had clients who needed to cancel their vacations when non traveling family members were sick.
How Family Members Not Traveling With You May Affect Travel Protection
Did you know that when you purchase travel insurance, some of your coverage may be affected by family members not traveling with you?
Under the Trip Cancellation benefit, some policies provide coverage for the following events affecting family members:
- A sickness, injury or death of a family member.
- If a family member who is military personnel is called to emergency duty for a natural disaster or have their leave revoked or are reassigned.
- Attending a family member’s childbirth as long as the pregnancy occurs after the effective date of coverage and can be verified by medical records
While many policies provide some coverage for events involving family members not traveling with you, you must also pay close attention to the exclusions section of the policy. Unless specifically stated, most exclusions apply to family members not traveling with you as well.
So Grandma’s fall last month may not have anything to do with your trip leaving next week, but when she suddenly takes a turn for the worse and you need to cancel, her pre-existing condition may have something to do with your claim being reimbursed.
The most important thing to remember is to read your specific description of coverage before and after purchasing and if you have any questions, just ask!
Posted on by Sarah Raymer on the Travel Insured Blog
One of the most important things you can do is read your travel insurance policy to see what is included and what isn’t. If a non traveling family member has a pre-existing medical condition (and most elderly parents and grandparents do), the best thing is to purchase your travel insurance when you deposit your vacation when many insurance plans will include the pre-existing medical condition waiver for travelers and non traveling family members.
Each travel insurance plan is different so if Grandma is in poor health or Dad’s diabetes has been causing health issues, you want to make sure that the travel insurance you purchase will cover those conditions in case you have to cancel your vacation.
My Vacation Lady can usually offer a couple of options when it comes to travel insurance. Let us know your concerns so that we can guide you toward the plans that make the most sense for you.